Applications / Mortgage Analytics / Lenders / Virginia / Lee Bank and Trust Company
Pennington Gap, VA · State non-member bank · FDIC · $262 million assets · 31 loans in 2025
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31
loans originated, 2025
48
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lee Bank and Trust Company is a small Virginia bank that makes small loans: its typical loan of $95,000 in 2025 was lower than at nine in ten similar banks.
Its typical loan was $95,000, against $175,000 at similar lenders, meaning banks of the same type making between half and twice as many loans. Some 12.9% of its loans were on manufactured homes, against 2.3% for peers, and refinances made up 54.8% of its lending. Both may help explain the small loan size.
It made 31 loans worth $4.6 million, up 35% from 23, while similar lenders held flat. That is fewer than the 53 it made in 2018. It filed no report for 2020 to 2022; those are gaps in the record, not years without lending, since a bank making fewer than 100 closed-end loans a year need not report.
Half its loans went to low- and moderate-income borrowers, against 26.1% at similar lenders, a higher share than at nine in ten of them. On 31 loans that figure can swing: it was 30.8% a year earlier. Its small loans fit such lending.
It has lent since 2001 in non-metro Virginia, where it ranked 205 of 539 lenders, and in Kingsport-Bristol, where it held 0.1% and ranked 143 of 324. Eastman Credit Union led Kingsport-Bristol. Its footprint covers seven counties in three states.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Lee Bank and Trust Company took 48 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.8% · Purchase 35.5% · Other 6.5% · Home improvement 3.2%
Conventional 100.0% · of 31 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 27 | 87.1% |
| Tennessee | 3 | 9.7% |
| South Carolina | 1 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kingsport-Bristol | 6 |
| Charleston-North Charleston | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QTT4Z8ZFTP7G09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 661223 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311582 | 2001–2017 |
Established 22 August 1932. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Lee Bank and Trust Company's data.
Lee Bank and Trust Company's data
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